Pay-per-kilometre car insurance

Lower mileage drivers can save up to 40%` on comprehensive cover.




We’re a passionate start-up flipping car insurance on its head.

Made from a team of car insurance career ‘lifers’ and proven entrepreneurs, we want to revolutionise traditional Australian car insurance. How? By offering lower premiums, transparent pricing and in-app services, like car locator and hail alerts, to add real value to daily lives.

#COVID brought the world to a stand-still. And while we were all indoors, our cars were too - sitting idle in the garage. We realised there was a problem with the way traditional car insurance companies price their policies. Why were we paying the same expensive premiums, even though we were driving far less? And so, KOBA was born.




During COVID, Australian car insurance companies made ~$800m additional profit due to lower claims and only minimal reductions in premium.


Source: APRA Quarterly General Insurance Statistics March 2021



KOBA is a usage-based car insurance company. Your rate is based on how much you’re actually driving each month. If you’re driving less, you’ll pay less. Simple.




What’s our vision?

Tech in cars is moving fast. 92% of new cars will have wifi connection as standard by 2030.

KOBA is on the leading edge of this connected car industry. Partnering with established brands and investors, we link to your car’s onboard computer for a smart car care experience; beginning with insurance premiums based on the actual number of monthly kilometres you drive.



Welcome to KOBA



Get the same comprehensive coverage, but one that’s based on how much you do, or don’t, drive.



You’ll pay a small monthly fee to cover your car while parked, and a few cents while driving.



See real-time trips, claims and car care tips through our app. There’s even a ‘find my car’ feature.



Get the same comprehensive coverage, but one that’s based on how much you do, or don’t, drive.



You’ll pay a small monthly fee to cover your car while parked, and a few cents while driving.



See real-time trips, claims and car care tips through our app. There’s even a ‘find my car’ feature.



KOBA Insurance is on-track to launch in July 2021.

Pre-register now or contact us to learn more.